The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,517
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$648/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,327/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,438
−HK$621/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,268/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,621
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$778/mo
Today · 4.125%
HK$26,165
baseline
▲ 0.50% · 4.625%
HK$27,757
+HK$1,592/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$52,330/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,391
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$28,125
−HK$745/mo
Today · 4.125%
HK$28,870
baseline
▲ 0.50% · 4.625%
HK$30,392
+HK$1,522/mo
Deposit HK$3.60M · loan HK$5.40M · min. income ≈ HK$57,740/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,724
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$29,618
−HK$908/mo
Today · 4.125%
HK$30,526
baseline
▲ 0.50% · 4.625%
HK$32,383
+HK$1,857/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$61,052/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,956
−HK$1,726/mo
▼ 0.25% · 3.875%
HK$32,813
−HK$869/mo
Today · 4.125%
HK$33,682
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$1,776/mo
Deposit HK$2.70M · loan HK$6.30M · min. income ≈ HK$67,364/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,080
−HK$1,167/mo
Today · 4.125%
HK$39,247
baseline
▲ 0.50% · 4.625%
HK$41,635
+HK$2,388/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$78,494/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,086
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,188
−HK$1,118/mo
Today · 4.125%
HK$43,306
baseline
▲ 0.50% · 4.625%
HK$45,588
+HK$2,282/mo
Deposit HK$900K · loan HK$8.10M · min. income ≈ HK$86,612/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,937 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).